Purpose of making other financial planning is that we can achieve financial goals to be achieved in the future. Suppose you want to be able to prepare children’s education fund, this financial objectives are intimately associated with making a monthly budget, namely in terms of making the post-post expenditure budget.

Meant to prepare for the education fund would be established an expenditure budget contains a number of funds to be deposited regularly into an education savings accounts or education insurance or other investment products within a certain time period, so as to use the funds already available.

Prior to the termination of employment, you should have a reserve fund for at least a monthly budget for the next 6 months. The funds are actually used only for daily needs (food, transportation, paying bills, and so on) for 6 months. (more…)

If you and your husband live far away and you are very difficult to save because, the cost of living is double. Not to mention transportation costs husbands ‘going home’ once a month and pulses for communication. Money transfers husband is always out for their household needs. This condition was severe and much different when you are still living together in 1 city. How do you set a budget for long-distance family?

Unless your husband’s income was much higher than the previous salary, setting your budget is more difficult now. Imagine, the same amount of income, but expenses multiplied (the cost of two houses, transportation, and communications). For his maneuver, of course, required sacrifice from all parties. Lack of income is always a major problem the family’s financial problem. The average person thinks that a large income is the answer for all the family’s financial problems. The problem is that not everyone is lucky to have a large income and not necessarily also those who have large incomes do not have financial problems. (more…)